> real people

There's a lot of braindead crypto hate on HN, but these are very real and salient points.

I work in IT. I have to reset people's passwords after a 3day weekend. The other day, an employee typed their password into a phishing email because the real person they were emailing got compromised in the middle of their email exchange.

Crypto banking is simply a nonstarter for these people. There was an article on HN about how scammers cost 10B$ last year. A bank where mistakes are permanent and irreversible will never be mainstream.